Azure Devops
Sujith K
Business Analyst
Bangalore
Summary
Experienced business analyst professional with more than 3-year experience of leading system implementations, integrations and continuous application improvement for US mortgage industry and 5 years of experience in end-end mortgage life cycle processes. Having a diverse experience in envisioning and delivering insightful and innovative solutions into US mortgage domain. Certification/Training PSM 1 certified. ECBA Trained -Business Analysis Certified PSPO Trained Domain US Mortgage-End to End Life cycle of a Loan
Overview
8
8
years of professional experience
3
3
years of post-secondary education
1
1
Certification
5
5
Languages
Work History
Business Analyst
ThoughtFocus
Bangalore
10.2021 - Current
- Analyzed key aspects of business to evaluate factors driving results and summarized into presentations
- Conducted interviews with key business users to collect information on business processes and user requirements
- Applied honed problem-solving skills to analyze and resolve issues impacting business operations and goal achievement
- Effective collaboration & participation in Product Management, Research, Teamwork and Collaboration
- Act as a SME, providing integrated business/technical solutions to develop products to cater the business, operational & market needs
- Gather and Document initial High-Level Business Requirements
- Mapping Business Requirements to existing Service Offerings (solutions)
- Work with UI Team to develop Solution Prototype
- Lead Solution Demo’s/presentations for Prospects
- Document Feedback, Functionality Gaps, New Requirements
- Document Solution Scope, Findings and Recommendations, in conjunction with Technical Leads
- Lead Project Documentation from Requirements to UAT
- Lead Knowledge Transfer and User Training
- Story-boarding Value Propositions, Service Articulation decks
- Successfully participated in various Scrum Ceremonies by sharing opinions on process & product innovation
- Collaborated with stakeholders to define project objectives and criteria
- Performed gap analysis to identify areas of improvement
- Interacted with internal customers to understand business needs and translate into requirements and project scope
Team Coach
Situs AMC
Bangalore
08.2020 - 10.2021
- Business Requirements Gathering for new application development
- Conduction Gap Analysis, Feasibility Studies to define scope and complexity of Change
- Lead creation and delivery of User Training and Communication
- Lead, coach, motivate and develop associates to deliver high quality reports to clients to achieve or exceed set operational targets
- Training development team on domain
- Provides final approval underwriting of mortgage loans
- Supervise and lead group of associates to meet all SLA relative to all function
- Hired, coached and trained 30-40 new employees in a year.
Senior Underwriting Analyst
Altisource Business Solutions
11.2019 - 08.2020
- Underwriting of Agency Conventional Mortgages including purchase, Cash-Out Refinance and Rate-Term Refinance of Primary Residences, Second Homes and Investment Properties, as per the guidelines related to investors like Fannie Mae and Freddie Mac
- Sub-processes of underwriting includes:-
- Review of pay stubs, Verification of Employment, Form W-2 etc and calculation of Employment, Bonus, Overtime, commission, Self-employment and other types of income, based on the investor guidelines, after determining the eligibility
- Comparative income analysis is done for income generated from Self-employment to determine the earnings and business trend
- Review of Credit Report to verify minimum number of trade line requirements, Fraud alerts, SSN variations, collections, charge offs, bankruptcies, short sales, foreclosures, other addresses reported, late payments, past dues etc
- Review of Asset documents to question the withdrawals likely to be associated with undisclosed debts and to verify the source of Large Deposits
- This is required to comply with Anti Money Laundering requirements
- Verification of assets is done to determine if these are sufficient to the Cash to close and Reserve Requirements
- Review of Preliminary Title Report to determine the property rights (Fee Simple or Leasehold), vesting and the liens on the subject property including first and second mortgages, property tax liens, Federal and state tax liens, supplemental tax liens, PACE lien, HOA lien etc
- Determination of property conditions like encroachments, easements, oil and mineral rights with right to surface entry etc
- Tools
- Encompass, Mortgage Builder, ACES, Dataverify, Corelogic, Blacknight Sphere
- Organization
- Altisource
Analyst
Altisource Business Solutions
Bangalore
08.2015 - 01.2019
- Review Credit, Income, Asset and Collateral documents to determine verification activities to be performed
- Detect red flag related to occupancy and perform occupancy verification
- Perform verification of Credit, Income, Asset based on final loan approval
- Request Field Reviews based on Client and GSE QC requirements
- Co-ordinate with third parties like Appraisal Management Companies, Insurance Providers, Employers, CPA and Financial Institutions to get verification documents within timeline
- Review verification responses received from third parties and compare it against information in original loan package to detect any potential fraud or discrepancies
- Record findings based on information on response documents
- Facilitate new hire training and refresher training
- Calibrate with onshore and offshore staff to ensure organizational consistency
- Serve as a subject-matter expert, assisting with difficult problems and questions, handling escalated calls and e-mails, providing work direction, and training to new staff
- TF Document Processing Automation (TFDocPro)
- Bot picks up incoming documents for processing as soon as arrive
- Bot then identifies if input file has multiple documents in it
- If yes, Bot separates documents after identifying them
- Bot then converts PDF into page images and then enhances their quality
- OCR is then run to extract raw text out of documents, better accuracy
- This raw text is analyzed again to extract relevant information desired
- Output is formatted and made available in format desired
- TF Income Calculation Engine
- Bot converts paper paystubs and W-2 into digital data for automated income calculation
- Using Machine Learning system read any unstructured pay stubs and calculate income
- OCR is then run to extract required information from income documents (Paystubs, Tax returns…,)
- System calculates income using extracted value and provide output as workbook
- TF Title Automation
- Created centralized database to house all different documents that is required for title commitment report creation
- Created complete lifecycle of Title services within ThoughtFocus to become one stop shop for title services
- OCR engine is used to extract data from PDF/Image and using API call required information will be entered into Title commitment report
- RPA is used to search through county and third-party websites
- Successfully established Title automation for state of Florida (67 Counties)
- Trelix Connect
- Mortgage origination tool, uses business rules to manage workflow and automate components of loan fulfillment, pre-and post-close quality control
- Automated document indexing
- Rule based auto populated conditions for underwriters
- Multiple third-party verification within application
- Automated document request as per initially submission of loan.
Education
Bachelor of Computer Application -
Bharathiar University
Coimbatore 09.2008 - 05.2011
Skills
Business analysis
undefinedSoftware
JIRA
MS Visio
MS Office
Draw IO
Encompass
Certification
PSM 1
Timeline
PSM 1
12-2022
Business Analyst
ThoughtFocus
10.2021 - Current
Team Coach
Situs AMC
08.2020 - 10.2021
Senior Underwriting Analyst
Altisource Business Solutions
11.2019 - 08.2020
Analyst
Altisource Business Solutions
08.2015 - 01.2019
Bachelor of Computer Application -
Bharathiar University
09.2008 - 05.2011
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